Come on now, Vasquez, you are in the United States. Use ENGLISH - and if you don't know the language, don't you think it is time you learned it. I am not against you immigrants that come to our country for a better life - I would do the same - but it is important that you become part of our society. Good luck to you, Vasquez!
It's very simple. If your debt is over 4 years old they can't do anything. They buy debt for pennies on the dollar hoping somebody will pay. They called me about a 15 year old debt. Tell them not to contact you anymore.